Rates current as of January 1, 2020
NEW SunshinePointsTM rewards program is here!
Building credit can be tough - we want to help
Establishing or improving your credit is important...especially when planning for large purchases like a car or home. The First Credit Union credit builder Visa® Rewards credit card is designed to help. Plus, while you build your credit you'll get rewarded too - every purchase, every day.
- Earn 1 point for every dollar you spend
- Earn even more points with special limited-time offers
- Redeem your points for cash back or gift cards
- Shield yourself from fraud with the Visa Zero Liability policy
Plus, enjoy NO annual fee and NO balance transfer fee.
Earn points and redeem for your choice of SunshinePoints™ rewards
- Gift cards
- Cash back
Earn points every purchase, every day, everywhere when you use your First Credit Union credit builder Visa® Rewards credit card. View your points or brose for SunshinePoints™ rewards when you log in to online banking and click the rewards tab.
Current Rates
Rewards Credit Card Accounts
| Loan Advance | APR* |
|---|---|
| Introductory Offer** | 0.00% |
| Purchases | 11.40% - 21.40% |
| Balance Transfers, Cash Advances | 14.40% - 24.40% |
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rates will vary with the market based on Prime Rate. Rate subject to change without notice. Other loans are available. Call (480) 756-5500 for more information.
** New card offer: 0.00% introductory APR on purchases for first 9 billing cycles with 4.9% on balance transfers within the first 30 days for 9 billilng cycles, and the cash advance fee and rate will be at the current prevailing rate.
***Earn 2X rewards points on purchases posted to your First Credit Union Visa® Rewards credit card during the first 90 days of account opening. Balance transfers and cash advances do not qualify as purchases.
Consumer Credit Account Agreement Application and Solicitation Disclosure Consumer Fee Schedule Fraud Alerts Program Overview
Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc.
